| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMERLIN BENEFITS CONSULTING INC.3 Filed as: SUMMERLIN BENEFITS CONSULTING | PO BOX 1536 CALLAHAN, FL 32011 | DELTA DENTAL INSURANCE COMPANY | $103K | — | $103K | 5.00% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $108K | $11K | $118K | 7.53% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $108K | — | $108K | 6.86% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $78K | $10K | $87K | 6.01% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $78K | — | $78K | 5.34% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $28K | $7K | $35K | 3.33% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $28K | — | $28K | 2.67% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 2.50% |
| FLAGLER FINANCIAL INC.3 | PO BOX 128 BUNNELL, FL 32110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54K | — | $54K | 9.83% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48K | — | $48K | 8.62% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.43% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | EYEMED VISION CARE | $11K | — | $11K | 3.31% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | EYEMED VISION CARE | $9K | — | $9K | 2.69% |
| FLAGLER FINANCIAL INC.3 | PO BOX 128 BUNNELL, FL 32110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 8.33% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 6.76% |
| PETER J MACE3 Filed as: PETER MACE | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER COUNTY INSURANCE AGENCY INC | 406 EAST MOODY BLVD BUNNELL, FL 32110 | ARAG INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 MED/RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $2.2M |
| PAY FLEX EIN 91-1774434 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $28K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,062 | $2.6M |
| Vision | EYEMED VISION CARE | 3,948 | $328K |
| Life insurance | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 6,830 | $1.6M |
| Short-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 4,970 | $1.5M |
| Long-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 5,593 | $1.0M |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 6,830 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,830 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.